What is Comprehensive Coverage?
Comprehensive Coverage covers losses resulting from incidents other than collision. For example, you are covered if your auto is stolen or damaged by flood, fire or vandalism. Ever had a tree limb fall on your car during a storm? Or had someone break into your car? That's what this coverage is for.
If you own or lease your car, your bank may require you to carry Comprehensive Coverage.
What should my comprehensive deductible be?
When choosing a comprehensive deductible, or if you want to purchase Comprehensive Coverage at all, it's important to think about the age of your car and how much you think repairs might cost you.
A comprehensive deductible is the amount of money you would be comfortable paying out of pocket if you ever suffered this kind of loss. So if your car was stolen and you had a deductible of $500, you would pay $500 out of pocket and Liberty Mutual would handle the rest of the expenses.